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Lloyds Bank: Classic Account reviews

Name: Classic Account
Rating: 3.88 (804 reviews)

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3.88

Based on 804 reviews, last reviewed 21st Aug 2026

58% decrease in 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

56%

20%

10%

11%

Latest highest rating:

5

Always been helpful if I’m in a bad spot Always been helpful if I’m in a bad spot Reviewed on: 21st August 2026

Latest lowest rating:

1

Really poor customer service Up until yesterday I had nothing but good things to say about Lloyds. I changed from another high street bank eight years ago and everything had been ... Read more Reviewed on: 20th August 2026

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About this product

The Lloyds Classic Account is fee free for use in the UK, providing your account balance doesn’t go below £0.

The Lloyds Classic Account can be serviced via the app and you can earn up to 15% cashback on spending with selected retailers.

Lloyds Classic Account reviews help you find out what it’s really like to be a customer. If you’ve used Lloyds before, you can also leave a review and share your experience.

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Lloyds Bank Classic Account reviews (804)

loyalty

I have been with Lloyds bank since leaving school 35 years ago and have been happy with the service I have received since then. I have always received good service and have never considered moving banks and don't imagine I will. Reviewed on: 20th June 2016

Disgusted & Dissapointed

When I opened my bank account I specifically said that I don't want any over draft facilities. I have since then moved from the UK to the USA and have not kept an eye on the balance of the account. I made an order online using my Lloyds account, assuming that I had cash in there, the payment went through no problemo. 3 months later I check the account to find that on that payment (which was a birthday Cake for my gran- the name on the payment was CAKES) I had overdrawn by 47.25! I was shocked to find my account in debt as I was under the impression that that wasn't possible and I had not received any communication from the bank (I was not at the address specified and my mobile number had changed, but surely when they realized this they should have tried email?- they cannot say that they exhausted all communication channels! and even so, if they couldn't reach me, why did they allow the transaction to go through?). So, I phoned Lloyds and asked who allowed the transaction to go though and the response was comical, "Well Miss, we never know whether its an emergency so we let it go through a reviewing process and then accept or decline if we think its an emergency or not". Surely "CAKES" doesn't sound like an emergency? Since going into "Unplanned Over Draft" of 47.25 pounds, I have now had to pay 250.59 pounds with all the "fees" that come along with unplanned over draft. Needless to say I have pulled the plug with Lloyds and shall not recommend them to anyone as I would never want someone who isn't able to pay off the debt, to get into a situation like this. Lloyds, you are a company that is willingly helping our country and people run into Debt that is beyond reparable. LLoyds, I'm disappointed and disgusted Reviewed on: 14th June 2016

Great customer service

Good internet banking services and quick, easy and secure money transfer Reviewed on: 10th June 2016

Very good

easy to open an account and fast friendly service .proste to operate Reviewed on: 1st June 2016

Great Bank

I used to have a Barclays bank account before and left them because of the bad customer service. Lloyds have been brilliant and I wouldn't change. Easy app as well. Reviewed on: 1st June 2016

Hassle free banking

Graduate account holder, interest free overdraft. Staff are always lovely whichever branch I use. Would recommend. Reviewed on: 31st May 2016

Easy to use online banking alongside current account.

The online banking app allows easy access and payment of the credit card from our current account. Never had any issues, we pay off in full each month. Reviewed on: 23rd May 2016

New account

Opened new account. Quick, easy and would recommend. Reviewed on: 19th May 2016

Dreadful bank with no sense of Loyalty to customers

I was with Lloyds for 35 years, during which time I tried to leave on myriad occasions, but was persuaded to stay each time, as they appealed to my sense of loyalty. Then one day without any explanation, they closed my account. I complained and ask for explanation, but the only one I got was that it had to do with my other nationality (I'm Persian by birth). They really are the worst bank I've ever had the misfortune of banking with. Reviewed on: 17th May 2016

Never gone anywhere else

I have always been with this bank and had no issues or problems. When i have needed any support or information on banking they was there to guide and help. Reviewed on: 8th May 2016

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